INFORMATION NOTICE WWW.FFS.FR
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NOTICE
WWW.FFS.FR
INFORMATION
Typocentre L’Exprimeur 03 85 39 94 74
FOREWORD
The French Ski Federation
50, rue des Marquisats - BP 2451 - 74011 Annecy Cedex
has subscribed through the broker Verspieren
a “Civil Liability and Legal Defence Policy”
No. QR-0942995 from QBE
and
a policy for additional “Bodily injury and Assistance”
No. 58.223.426 from EUROP ASSISTANCE.
As a French Ski Federation licensee, you can benefit from the following cove-
rages. Please note that every French Ski Federation licensee is automatically
insured with Civil liability and Legal Defense.
Verspieren is the broker in charge of the administration of these policies.
The holder of a Carte Neige license may contact:
Verspieren - Licence Carte Neige
1, avenue François-Mitterrand – BP 30200 – 59446 Wasquehal Cedex – France
Tél. : 03 20 65 40 00 – Fax : 03 20 65 40 23
E-mail : ffs@verspieren.com
Site Internet : www.ffs.verspieren.com
OPTIONS
COVERAGE Primo Medium Optimum
G1 – Civil liability x x x
G2 – Legal defence x x x
G3 – Rescue fees x x x
G4 – Medical transportation x x x
G5-1 – Ski lift pass x x
G5-2 – Ski / snowboard instruction pass (ski school only) x x
G6 – Lost and stolen pass x x
G7A – Broken skis x x
G7B – Ski rental x
G8A – Medical expenses x
G8C – Medical expenses x
G9A – Bodily injury (death, disability, coma) x
G9C – Bodily injury (death, disability, coma) x
G10 – Assistance / repatriation x x
PREMIUMS (insurance only)
Individual € 11,45 € 19,24
Family € 63,90
Cross country skiing € 4,15
Competitor € 32,90
Officials € 11,45 € 19,24 € 32,90
OPTION
Mountaineering/rock climbing/rappel € 15,00
For further information about the coverage, please refer to the website
www.ffs.verspieren.com where the FFS insurance policies are available (also
available on request).
The rates above only reflect the amounts of different insurance and/or assis-
tance options available to holders of the Carte Neige License. The cost of mem-
bership in an affiliated sports club (club + federation) should be added.
2
COVERED ACTIVITIES
With this contract, you are covered for: for contractual exclusions. The partici-
1) Individual activities such as: pation in official competitions orga-
−− All forms of skiing (exept Cross nised under the auspices of a sports
country skiing*) and its teaching, or federation other that a ski federations
any sliding sports recognized by FFS. is not covered.
−− Hiking on trails, Nordic walking and In order to subscribe to the Elite option
mountain biking in geographical (valid in the entire world) and / or the
Europe. “mountaineering, rock climbing and
−− Is also guaranteed, non-excluded rappel” option (within the framework of
activities during trainings only for the individual and principal activity covered
holders of the option Optimum. in geographical Europe only) please visit
Verspieren website:
2) The exercise of other activities as part www.ffs.verspieren.com.
of a federation, even if such activities
are not wholly sporting activities, and * Holders of the Cross Country Skiing option are only
in particular: physical activities under covered for the practice of cross country skiing and
the control or supervision of the FFS, trail hiking, with or without snowshoes, to the exclu-
its regional committees, its clubs or any sion of any other sport.
other person authorized by it, except
THIRD PARTY LIABILITY
TABLE OF THE COVERAGE AMOUNTS IN THIRD PARTY LIABILITY
Deductible
Amount per accident
COVERAGE
and limits (except bodily
injury)
Bodily injury, property damage
and consequential or € 12,000,000 per
N/A
non-consequential financial claim
loss (G1)
Consequential material and € 3,000,000
€ 300
immaterial damages per claim
Non consequential immaterial € 1,000,000
€ 1,500
damages per claim
Material and immaterial € 75,000 per claim
damages consequential limited to € 15, 000
€ 1,000
of leaving the property into the per claim during
cloakroom transportation
Criminal defence and appeals claims above
€ 100,000 per claim
(G2) 350 €
3
Third part liability (G1) : This cove- them by a third party for any errand
rage is intended to ensure the insu- necessary for the activity including
red entity or natural person, up to transporting injured people;
€ 12,000,000 per claim, against the
financial consequences of civil liability −− when moving any vehicle, not belon-
that could be incurred in the frame of the ging to the insured nor entrusted to
coverages under this policy activities, the insured, for the purposes of remo-
because of injury, damage and lossd ving it as an obstacle to carrying out
caused to third parties. the insured activities.
Legal defence (G2) : 3. Fines, including those that are akin
The implementation of this guarantee is to compensation in civil law.
given from QBE to :
CFDP ASSURANCE 4. Losses that become unavoidable
62 RUE BONNEL - 69003 LYON and foreseeable due to the wilful,
Trade and companies Registry No.958 conscious and deliberate act when
506 156 B. this causes the insurance policy to
Disputes must be sent by the insured to lose its basis of unpredictability wit-
Verspieren. hin the meaning of article 16 of the
Any FFS licensee is insured for legal Civil Code.
defense for an injury suffered by the
insured caused by any third party for 5. Losses resulting from the following
a covered activity. Coverage applies to dangerous sports:
claims for losses arising throughout the −− boxing, wrestling;
world with the exception of those resul- −− caving, hunting and scuba diving;
ting from: −− single handed sailing, yachting
−− temporary activities outside metro- more than 5 miles from the coast-
politan France and the Principality of line;
Monaco with a duration of more than −− airborne sports, except paragli-
6 months; ding practised in an association
−− travel not organised by authorised or grouping that is affiliated with
bodies. the FFS and supervised by quali-
CFDP ASSURANCES ensures financial fied paragliding instructors;
assistance for proceedings before the −− polo;
French Courts. −− skeleton, bobsleigh ;
−− ice hockey;
The only exclusions from the third −− bungee jumping;
party liability coverage are losses or the −− motor sports;
worsening of losses caused by: −− kite-surfing, sea jousting;
−− luge as a sport on a competition
1. Firearms (excepting biathlon carried run;
out under the auspices of the FFS) −− freeride in competitions.
or devices designed to explode
through modification of the structure 6. The consequential damages of a
of the atom. participation to an official compe-
tition organised by another sport
2. By vehicles of which the insured is Federation than a Ski Federation.
owner, renter, keeper or user for risks
that, by application of French legisla- 7. Consequential material and immate-
tion, are compulsory insurable. rial losses to property for which you
are the lessee, agent, guardian and
Nevertheless, coverage remains in force: more generally the owner in whate-
−− for any contingent liability incur- ver capacity.
red by the insured following a loss
caused to third parties by their em- 8. Losses caused by boats: motor
ployees using any vehicle that they boats minimum 6hp power, sail over
own or which has been entrusted to 5.50 meters long or any floating
4
equipment (other than boats) inclu- (articles R. 331-18 to R. 331-45 of
ding yourself or the people for whom the Code of Sport).
you are legally responsible for the
ownership, driving or custody. 11. Losses caused by marquees, stands
or terraces, removable or fixed, with
9. Any financial convictions delivered a capacity of over 500, but only if
by the courts as disciplinary action they do not comply with applicable
against the insured and which would legislation [chapiteaux, tentes et
not constitute direct damages for structures (CTS)] or clauses of
personal injury, property damage, French legislation [Construction and
consequential damage as well as housing code].
“punitive” or “exemplary” damages.
12. Losses resulting from the organisa-
10. Meetings and events held on open tion of an event involving temporary
roads or in locations closed to public occupation of a public place without
traffic and including the participa- obtaining the relevant prior authori-
tion of motorised terrestrial vehicles sation.
BODILY INJURY
TABLE OF THE COVERAGE AMOUNTS (according to the option chosen)
COVERAGE
G3 – Reimbursement of mountain search and • actual cost in France
rescue fees and primary medical transport • maximum of € 17,500 out of
fees (G4) France (for G3+G4)
Up to € 3,000 (if not used for
G5-1 Reimbursement of ski lift passes
more than 2 consecutive days)
G5-2 Reimbursement of ski/snowboard
instruction (ski school only) in case of covered Actual costs (up to 8 days)
events
G6 Reimbursement if season pass lost or Prorated reimbursement if over
stolen 2 days
G7 A Reimbursement of rental expenses
for replacement equipment as a result of Up to 10 days
accidental ski / snowboard breakage
G7 B Reimbursement of ski/snowboard rental Prorated reimbursement if rental
expenses of covered events over 2 days
Coverage or reimbursement of moun- We refund ski lift passes for more than
tain search and rescue fees (G3) and two unused consecutive days, prorated
primary medical transportation fees for unused days starting from the day
(G4) : after one of the following events:
We cover or we will reimburse the cost −− accident with injuries not allowing you
of search and rescue in the mountains to continue skiing;
(G3) as well as fees for primary trans- −− unexpected illness or hospitalization
port and return trip from the medical exceeding 24 consecutive hours;
centre or hospital (G4), the fees charged −− death of the insured or an ascendant
by a duly authorised provider. or immediate family member;
−− serious damage to your main resi-
Reimbursement of ski lift and ski/ dence and requiring your presence.
snowboard passes (G5-1):
5
Reimbursement of ski/ snowboard ins- dental breakage during an activity covered
truction (G5-2) : under this agreement, we will reimburse
We refund ski or snowboard lessons subs- the rental cost of a pair of similar skis (or
cribed directly with a ski school (limited to 8 snowboard) for a maximum of 10 days.
days) starting from the day after one of the
same events as described for G-5-1. Reimbursement of ski/snowboard
rental (G7B) :
Loss or theft of season pass (G6) : We will reimburse the rental cost of
In the event of loss or theft of a season unused skis/snowboard for more than
pass purchased for more than two days, two consecutive days, equipment limited
we guarantee repayment of the lift pass to a helmet, a mask and one pair of skis,
on a pro rata basis, of the period of the sticks and boots (if several pairs of skis
season consumed, 14 from the day after are rented, we will refund the rent of the
the occurrence of the event, based on most expensive) on a pro rata basis, from
submission of the following documents: the day after the occurrence of one of the
−− receipt of loss or theft issued by same events described for G5-1.
the authorities and/or the insured’s
affidavit of loss; Additional reimbursement of medical
−− proof of payment for the pass; expenses incurred in France following
−− original of the second pass pur- an insured accident (G8):
chased and/ or proof of purchase. We refund your medical fees on the
French territory, following a covered acci-
Reimbursement of ski rental following dent and up to the amounts listed in the
accidental breakage of your skis/snow- table page 8 and 9 in the present notice.
board (G7A) :
In the event of your ski or snowboard acci-
G9A – G9C Bodily injury coverage
Bodily injury Coverage limits
Death compensation From € 10,000 to € 20,000 depending
on the insurance option
−− G9C Medium € 10,000
−− G9A Optimum € 20,000
Disability compensation From € 15,000 to € 50,000 depending
on the insurance option with a relative
deductible of 10% of disability rate
−− G9C Medium € 15,000
−− G9A Optimum € 50,000
Reimbursement limit per event € 5,000,000
* death compensation is limited to €7,500 for minor
Compensation increases:
In some cases, the table of Amount of unless if you have taken an active part
Guarantees may be increased: in the event in question.
- In the event of death, the compensation
is increased by 15% of the death benefit Allowances following coma:
capital and can not be less than €7,500 When a licensee is the victim of a
per child under 25 years fiscally in charge guaranteed accident and is medically
of the insured, with a maximum indicated established in a state of coma for an
in the Table of Amount of Guarantees. uninterrupted period of more than 14
- In the event of death or total/partial days, the insurer pays the beneficiary a
disability, the compensation shall be compensation of 2% of the death com-
increased by 50% if the death/disability pensation per week of coma within the
is the result of a terrorist attack, an act limit of 50 weeks.
of terrorism or a popular movement, The maximum amount paid under this
6
guarantee, by licensee and by accident, ping or any similar structure as well
is the amount of the death compensation. as those resulting from training or
The amount paid in respect of the gua- participation in sports competitions.
rantee is deducted from the indemnities
provided in case of death. 10. Accidents caused by blindness, para-
lysis, mental illness, as well as any
EXCLUSIONS illness or infirmity existing at the time
In addition to the common exclusions for all of subscription to this policy.
coverages, the following are also excluded:
11. Your participation in exercises
1. Accidents that arise from a volun- performed under the control of the
tary act of the insured under the military authorities apart from those
policy and those that result from linked with the activities of the FFS.
attempted suicide or self-mutilation.
12. Accidents medically recorded prior
2. Suicide. to the trip.
3. Accidents caused by revolt, rioting, 13. A disorder for which you are under-
plotting or civil disturbance in which going treatment, and from which you
the insured has taken an active part; have not recovered and for which you
are on a convalescent stay.
4. Accidents occurring during the par-
ticipation of the insured in a brawl, 14. Pregnancy, voluntary termination of
except in self-defence; pregnancy, childbirth, in-vitro fertili-
sation and their consequences.
5. Illness and its after effects (except
if the consequence of an accident 15. A disorder occurring during a trip
covered by this insurance), varices, undertaken for the purpose of dia-
varicose ulcers, rheumatism, lum- gnosis and/ or treatment.
bago, congestion and other similar
complaints (calluses, synovitis, 16. Accidents resulting from the indi-
sprained back, etc.), unless they vidual practice of mountaineering,
are the result of a covered accident. rock climbing or rappel unless
subscribed to the “mountaineering,
6. Losses resulting from an accident rock climbing, rappel” option.
occurring before coverage comes
into effect. 17. Accidents caused by a shipping
company not approved for public
7. Your participation in any sport in a passenger transport.
professional capacity or under a re-
munerated contract; this exclusion
does not apply to ESF instructors
carrying out their activity under the
aegis of the FFS.
8. The practice of motor or aerial
sports (with the exception of para-
gliding practised with regard to an
association or group affiliated with
the FFS and supervised by qua-
lified paragliding instructors), the
use of motor- cycles of 125 bhp
and above.
9. The practice of polo, ice hockey,
caving, luge racing, scuba diving with
or without autonomous equipment,
skydiving, hang gliding, bungee jum-
7G8A– G8C – Additional reimbursement of Medical expenses following an insu-
red accident in France for 18 months maximum from the date of the accident
CARTE NEIGE LICENSE
Medical expenses in France
Benefits payable after social security and any other personal protection payment
except those in% actual expenses
HOSPITALIZATION
Medical in-patient
Surgical in-patient
Private room
MAINSTREAM MEDICINE
General practitioner consultation visits
Specialist consultation visits
Laboratory work
Radiology
Physician's assistants
Specialist procedures
Medical prostheses
PHARMACY
Pharmacy 35%
Pharmacy 65%
OPTICAL
Lenses
Refused, accepted, disposable lenses
Frames
DENTAL
Dental care
Dentures
Orthodontics
OTHER COVERAGE
Hearing aids
Medical check-up
Hospitalization benefits
8Foreigners who hold a valid Carte Neige card benefit from this coverage in
the same way as if they were covered by the French Social Security system,
according to the amounts indicated in the tables below of this notice, but
limited to € 500 per event. French social non-insured persons also benefit
the guarantee, within the limit of € 1000.
Note: the standard deductible chosen by CPAM is not reimbursed by the insurer.
G8 A (Optimum) G8 C (Medium)
Other basis Other basis or
% Taxes incl. Actual costs % Taxes incl. Actual costs
or limit limit
200% 150%
200% 150%
€ 50/day € 50/day
200% 150%
200% 150%
200% 150%
200% 150%
200% 150%
200% 150%
100% € 460 MAX 100% € 460 MAX
100% 100%
100% 100%
100% € 900 MAX 100% € 900 MAX
100% 100%
100% € 460 MAX 100% € 460 MAX
200% 100% 150%
100% € 460 MAX 100% € 460 MAX
100% € 460 MAX 100% € 460 MAX
100% € 460 MAX 100% € 460 MAX
€ 23/day with a maximum of 100 days € 23/day with a maximum of 100 days
Deductible 5 days Deductible 5 days
9ASSISTANCE
G10 – Assistance to people in the event of illness or injury
TABLE OF COVERAGE AMOUNTS FOR ASSISTANCE
IMPORTANT : When requiring Assistance, you must contact Europ Assistance :
01 41 85 88 03 from mainland France or +33 1 41 85 88 03 from abroad.
Assistance to people in the event
Coverage limits
of illness or injury
Medical contact Linking with a doctor
Repatriation (1) Actual costs
Transport Actual costs
−− medical transport from the first medical centre to
another better-suited hospital,
−− return from the medical centre to the resort or
place where the insured was staying
Return of a companion Transport (2)
Hospitalization (> 3 nights) 125 €/night x 7 nights + Transport
Arrangements and provision of a replacement driver Driver’s salary
Advance payment for hospitalization From € 30,000 to € 100,000
out of France depending on the insurance option
subscribed:
−− Medium € 30,000
−− Optimum € 100,000
Additional reimbursement of medical expenses From € 30,000 to € 100,000
out of France depending on the insurance option
subscribed:
−− Medium € 30,000
−− Optimum € 100,000
Reimbursement of emergency dental care € 160
Psychological support and counselling
−− organization and management of telephone 3 telephone sessions
sessions
Payment for face-to-face consultations
−− in the event of the death of the insured (for family) € 1,500
−− in the event of Assault to the insured € 1,500
Assistance in the event of a death Coverage limits
Transportation in the event of death of the beneficiary Actual costs
Early return in the event of the death of a family Round trip Transport (2)
member
Payment for coffin € 2,500
Accompanying the deceased (death formalities) Round trip Transport (2)
Travel assistance Coverage limits
Bail bond Abroad € 20,000
Payment of legal fees Abroad € 10,000
Early return:
−− in the event of a loss at one’s residence, Return transport (2)
−− in the event of an attack, Return transport (2)
−− in the event of a natural disaster Return transport (2)
Accompaniment of children under 18 years Round trip Transport (2)
Transmission of urgent messages Actual costs
Shipment of prescription drugs Extradition expenses
10Theft and loss assistance Hotline
Cash advance (in the event of theft, loss or destruc- Advance € 2,500
tion of identity papers and/or means of payment)
Travel information Hotline and website
Health Information Hotline and website
Sports Health Information Hotline
Specialized sports-related injury facilities Hotline
Global limitation of guarantees under assistance
services in the event of an attack, terrorism, € 700,000/event for all insured
riots or uprisings
(1) Geographical Europ only: Repatriation to home or to an adapted medical centre near home.
(2) first class train or economy class regular flight
When you use our assistance, any decisions relating to the nature, timing and
organisation of measures to take belong exclusively to our assistance services.
In addition to the exclusions common to all except for clear and unforeseeable
coverage, the following are also excluded complications, and in all cases,
under all assistance: requests for assistance relating to
abortion or assisted reproduction,
1. Expenses incurred without our prior their consequences and costs arising
consent or not expressly provided for therefrom.
in this policy.
8. Requests regarding procreation
2. Pre-existing or previously treated or gestation on behalf of others, its
illnesses and/or injuries that led to consequences and the related costs.
continuous hospitalization, day hospi-
talization or outpatient hospitalization 9. Repatriation of residents in geo-
in the 6months prior to any request, graphical Europe (outside France)
whether the re-appearance or worse- beyond the 31st day of staying at the
ning of said state. resort.
3. The consequences of a condition 10. The consequences of potentially
being treated, unconsolidated, for infectious situations in an epidemic,
which the insured is in convalescence. exposure to infectious biological
agents released intentionally or acci-
4. Travel for the purpose of diagnosis dental exposure to poison gas type
and/or medical treatment or plastic chemicals, incapacitating agents,
surgery, their consequences and nerve agents or their persistent neu-
costs arising therefrom. rotoxin effects.
5. Possible consequences (exams, 11. The consequences of intentional
additional treatments, recurrences) acts by you or the consequences of
of an ailment that led to a previous fraudulent acts, attempted suicide or
repatriation. suicide.
6. The organisation and management 12. The insured’s participation in any
of the transport referred to in Chap- sport professionally or under contract
ter 4.9.1 “Transport/repatriation” for with pay, as well as training that does
benign infections or lesions that can not take place under the monitoring,
be treated on site and do not prevent supervision or with the authorization
you from continuing your journey or of the French Ski Federation or any
your stay. other person authorized by it. This
exclusion does not apply to French
7. The consequences of pregnancy Ski School instructors exercising their
11activity under the auspices of the 21. Planned Hospitalizations, their conse-
FFS. quences and costs arising therefrom.
13. The consequences of an accident du- 22. Optical expenses (glasses and
ring the insured’s practice of a motor contact lenses, for example).
sport, air sports (except paragliding
practiced in the context of an associa- 23. Vaccines and vaccination costs.
tion or group affiliated with the French
Ski Federation and supervised by a 24. Medical consultations, their conse-
qualified paragliding instructor), polo, quences and costs arising therefrom.
skeleton, bobsleigh, ice hockey, scuba
diving with an independent device, 25. Stays in a nursing home, their conse-
caving, bungee jumping, skydiving, quences and costs arising therefrom.
hang gliding.
26. Physical therapy, massages, chiro-
14. Expenses not expressly mentioned as practors, their consequences and
eligible for reimbursement, the deduc- costs arising therefrom.
tibles shown on the reimbursement
records issued by Social Security 27. Medical or paramedical services
or any other insurance organization and products purchased whose the-
as well as any restoration costs and rapeutic benefits are not recognised
expenses for which you could not pro- by French law, and costs arising
duce a receipt. therefrom.
15. Expenses not evidenced by original 28. Screening or prevention check-ups,
documents. regular treatments or analyses, their
consequences and costs arising
16. Incidents occurring in countries ex- therefrom.
cluded from the coverage or outside
the policy’s validity dates, including 29. The organization of search and res-
past the period of intended travel cue of missions, especially in the
abroad. mountains and at sea.
17. Consequences of incidents during 30. The organization of search and res-
trials, races, competitions or moto- cue missions in the wilderness, and
rized races (or qualification tests), by the associated costs.
regulations subject to prior govern-
ment approval, when you participate 31. The costs related to excess bag-
as a competitor, or during tests on the gage weight during air transport and
circuit subject to prior approval by the the baggage handling fees when
public authorities, and even if you use they cannot be carried with you.
your own vehicle.
32. Reimbursement of apartment ren-
18. Medical equipment and prostheses tals and ski rentals.
(dental, hearing, medical).
33. Trip cancellation fees.
19. Spa treatments, their consequences
and costs arising therefrom. 34. Meal expenses.
20. Medical expenses incurred in your 35. Custom fees.
country of residence.
12COMMON EXCLUSIONS TO ALL GUARANTEES
Apart from those exclusions specific to 7. Fines and any other financial penal-
each coverage item and except where ty imposed as punishment an which
there are provisions to the contrary, does not constitute direct compen-
all damages of any nature is excluded sation for any bodily injury or pro-
when it results from: perty damage.
1. Wilful misconduct on the part of any 8. The use of firearms or compressed
party insured, per application of ar- air weapons where possession is
ticle L. 121.2 of the Insurance Code. forbidden, except for participants in
the biathlon discipline.
2. Civil of foreign warfare, as provided
for in article L. 121.8 of the Insu- 9. Except for other exclusions set forth
rance Code (it is up to the insurer to in the policy:
prove that the damage was caused
by civil war). −− taking part in a motorised or air-
borne sport (except paragliding
3. Earthquake, volcanic eruption, tidal practised in an association or
wave, flood, subsidence or lands- group that is affiliated with the
lide (except in the case of a natural FFS and supervised by a quali-
disaster upon interministerial order fied paragliding instructor), hang
pursuant to the provisions of the law gliding, polo, skeleton, bobsleigh,
of 13 july 1982). ice hockey, scuba diving, cave
exploration, bungee jumping or
4. Direct or indirect effects of explo- parachuting;
sion, radiation or heat emanating
from nuclear transmutation or −− sledging carried on as a sporting
radioactivity. discipline on a competition track;
5. Being in a state of drunkenness or −− participation in official competi-
obviously under the influence of tions organised by or under the
alcohol, if it transpires that at the auspices of another sport Fede-
time of the accident, the insured had ration than a Ski Federation;
a blood-alcohol reading of 0.50g per
litre of blood, or higher. −− the consequences of mountai-
neering, rock climbing and rap-
6. The taking of drugs or any narcotic pel, practised on an individual
set out in the Public Health Code basis unless the FFS licensee
and which has not been medically has subscribed to the «mountai-
prescribed. Nevertheless, coverage neering, rock climbing and rappel
by the insurer remains in force if it option».
is established that the accident was
not connected to that fact.
13WHAT SHOULD YOU DO IN THE EVENT OF AN ACCIDENT?
You or your dependants can make a claim name for your ski lift pass, the latter
quickly and easily online within 5 days of having to have a validity of more than
becoming aware of the accident, at: 2 days;
www.ffs.verspieren.com −− the detailed invoice for any ski les-
sons that you may have subscribed
You must include with your claim: to directly with a French ski school,
−− a legible photocopy of both sides of up to a limit of 8 days of lessons;
your Carte Neige licence; −− photocopies of your medical treat-
−− an initial medical certificate spe- ment claim forms and/or invoices, be-
cifying the nature of your injuries and fore having sent them to the national
the length of time you will be unable health service and your private health
to practice sporting activities; insurance provider;
−− the original (both sides) of the ski −− your bank account details.
pass and the detailed invoice in your
WHAT SHOULD YOU DO IF YOU NEED ASSISTANCE?
When requesting assistance, before You can find the insurance policies and
taking any measures to return, or incur- get help by visiting www.ffs.verspieren.
ring any expenses falling within the com, or get in touch with us by post or
scope of the ‘Repatriation Assistance’ telephone.
cover, you must contact:
For any information you require please
EUROP ASSISTANCE contact us:
• Services available 24/24 and 7/7 VERSPIEREN
• By phone on 01 41 85 88 03 LICENCE CARTE NEIGE
1, avenue François-Mitterrand
if calling from mainland France,
BP 30 200 59446 Wasquehal Cedex
or on +33 1 41 85 88 03 03 20 65 40 00
if calling from abroad ffs@verspieren.com
• By email: medical@europ-assistance.fr www.ffs.verspieren.com
• Important: you will need to have your
Carte Neige licence number at hand
WHAT YOU SHOULD DO IN CASE OF COMPLAINT?
In the event of difficulties, the insured For other coverage and insurance:
must first consult with his usual partner: EUROP ASSISTANCE
VERSPIEREN Service «Remontées clients»
Service réclamations Spécialités 1, promenade de la bonnette
1, avenue François Mitterrand 92633 Gennevilliers cedex
BP30 200- 59446 Wasquehal cedex remontees_clients@europ-assistance.fr
reclamationsspecialites@verspieren.com
If his/her disagreement persists after
If his answer does not satisfy the insu- the response given by the insurer after
red, he/shemay make a complaint to: having conducted a final review of the
For liability coverage, legal defence request in exhausting all internal reme-
and appeals: dies, the insured can then call upon the
QBE FRANCE ombudsman whose contact details will
Service Réclamations be included in the insurer’s
Cœur Défense Tour A response letter.
110 Esplanade du Général de Gaulle
92931 La Défense Cedex
service.reclamations@fr.qbe.com
14IMPORTANT INFORMATION
ADDITIONAL INSURANCE/ASSIS- MEDICAL CERTIFICATE AND
TANCE COVERAGE OPTIONS HEALTH QUESTIONNAIRE
The FFS has negotiated with Verspieren, −− Obtaining a first sports license: Sub-
its insurance broker, the optional cove- ject to the submission of a doctor’s
rage offered to license holders and des- certificate to the Club stating there
cribed in this Information Notice. Each are no medical reasons prohibiting
license holder may subscribe to one my participation in sports, or, where
of these options by choosing the most appropriate, the discipline concer-
extensive coverage desired for the risk ned, which was issued less than one
of bodily injury that the license holder year ago. When the requested license
may be exposed to while performing his/ allows participation in competitions
her sport. In addition to the Information organised by a sports federation, the
Notice, license holders may review the doctor’s certificate states there are
general conditions on the FFS website no medical reasons prohibiting parti-
www.ffs.fr or on its insurance broker’s cipation in the sport or the discipline
site www.ffs.verspieren.com. concerned in competition.
Our insurance broker Verspieren can −− Renewal (1) of a sports license that
provide more comprehensive insu- allows participation in competitions
rance and assistance coverage than organised by the federation («Com-
the policies offered by the Club upon petitor» license): presentation of a
membership. doctor’s certificate every three years
Contact: +33 (0)3 20 65 40 00 (issued less than one year ago). In
or ffs@verspieren.com the meantime, the requirement re-
mains to complete the «health ques-
DRUG USE tionnaire» each year. Special case:
Article R232-52 of the Sports Code A doctor’s certificate is mandatory
If the athlete to be tested is a minor or every year to participate in the biathlon.
a legally protected adult, any test spe- −− Renewal (1) of a «Director’s» or
cimen requiring an invasive technique «Recreational» sports license:
such as a blood sample may be obtai- Submission of a doctor’s certificate
ned only with the written consent of the every 20 years (issued less than
parent/legal guardian of the license hol- one year ago). In the meantime, the
der at the time of enrolment or renewal. requirement remains to complete the
Failure to provide such consent implies «health questionnaire» each year.
a refusal to comply with the testing mea-
sures in place. Additional information available at
www.ffs.fr/questionnaire-sante.
Download the consent form at The renewal period applies from one calendar year
(1)
www.ffs.fr/autorisation-prelevement- to the next.
mineur
PROTECTIONS OF PERSONAL DATA
Find all the information concerning
the protection of your personal data in
the general conditions of the contract
n ° 58 223 426 issued by EuropAssis-
tance
This document has no contractual value and does not commit QBE, EUROP ASSISTANCE
and Verspieren beyond the limits of the insurance policies to which it refers.
15PLEASE PROVIDE THE FOLLOWING INFORMATION
FOR THE LICENSE HOLDER OR THE PARENT/LEGAL
GUARDIAN OF MINOR LICENSE HOLDERS
To be kept on record by the Club for 10 years
TO BE COMPLETED BY THE ADULT LICENSE HOLDER AND/OR THE LEGAL REPRE-
SENTATIVE FOR MINOR LICENSE
I, the undersigned, Mr/Mrs...................................................................................................................
License holder or legal guardian of the minor license holder: ................................ .................
Acknowledge:
Having received the «Carte Neige License Information Notice 2018-2019» and having full
knowledge of its contents by reading the paper copy or the FFS web site www.ffs.fr or its
insurancebroker’s web site www.ffs.verspieren.com, including the scope of the insurance and/
or assistance coverage described therein and having been informed of the option to enroll for
additional coverage for me or for the minor license that I legally represent when I subscribed.
(see page 15)
I hereby certifyr:
I have submitted a doctor’s certificate (issued less than three year ago for competitors or
less than twenty years for Director’s or Recreational license) to the Club stating there are no
medical reasons prohibiting my participation in sports during the period my license is valid. *
Not had a license interruption since I gave my doctor’s certificate
I certify having provided accurate information and not having any of the medical conditions listed
in the QS-SPORT Cerfa No. 15699*01 form, available at www.ffs.fr/questionnaire-sante
If one of the three box above is not checked:
I certify having presented to my club a doctor’s certificate (issued less than one year)
before the validation of the license 2018-2019
*Particular case for license holder practicing biathlon (competitor & recreational) :
I certify having presented to my club a doctor’s certificate (issued less than one year)
before the validation of the license 2018-2019
The doctor’s certificate must be presented to the club every year and must mentioned the absence of contrain-
dications to the practice of biathlon "in competition" if necessary.
Date and license holder’s signature:LICENCE
2017 I 2018
WWW.FFS.FR
WWW.FFS.FR
La Licence Carte Neige
devient électronique.
Retrouvez-la dans vos e-mails et
La Licence
emmenez-la partout avec vous.
Carte Neige
est électronique.
Retrouvez-la dans
vos e-mails et emmenez-la
partout avec vous.
CHOIX LICENCE
NOM LICENCIÉ N° LICENCE
ANNÉE DE NAISSANCE Fin de validité
COMITÉ DE SKI RÉGLEMENTATION
CLUB
Certificat médical et questionnaire de santé
Assistance (appel obligatoire) : Europ Assistance
+33 (0)1 41 85 88 03 - Obtention d’une première licence sportive : elle est
subordonnée à la présentation d’un certificat médical datant
de moins d’un an et permettant d’établir l’absence de contre-
indication à la pratique du sport ou, le cas échéant, de la discipline
concernée. Lorsque la licence sollicitée permet la participation
aux compétitions organisées par une fédération sportive, le
certificat médical atteste l’absence de contre-indication à la
pratique du sport ou de la discipline concernée en compétition.
- Renouvellement (1) d’une licence sportive qui permet la
participation aux compétitions organisées par la fédération
(licence « Compétiteur ») : présentation d’un certificat médical
tous les 3 ans (le certificat médical doit dater de moins
d’un an) ; dans l’intervalle, obligation de remplir chaque
année le « questionnaire de santé ». Cas particulier : le
certificat médical est obligatoire tous les ans pour le biathlon.
- Renouvellement (1) d’une licence sportive « Dirigeant » ou
ASSURANCES « Loisir » : présentation d’un certificat médical tous les 20 ans
(le certificat médical doit dater de moins d’un an) ; dans
Sur demande auprès du courtier en assurance de la FFS, l’intervalle, obligation de remplir chaque année le « questionnaire
Verspieren : tél. 03.20.65.40.00 ou ffs@verspieren.com, vous de santé ». Informations et renseignements complémentaires
pouvez souscrire des garanties d’assurance et d’assistance plus disponibles sur www.ffs.fr/questionnaire-sante
étendues. (1) La période de renouvellement s’entend sans discontinuité d’une année sur l’autre.
Pour connaître l’étendue des garanties d’assurance et/
Article R232-52 du Code du Sport
ou d’assistance que vous avez choisies, consultez notre
site internet www.ffs.fr (rubrique « Licence Carte Neige - - Si le sportif contrôlé est un mineur ou un majeur protégé, tout
Garanties d’assurance ») ou reportez-vous au dépliant prélèvement nécessitant une technique invasive, notamment
« Notice d’informations Licence Carte Neige 2018/2019 ». un prélèvement de sang, ne peut être effectué qu’au vu d’une
L’intégralité des contrats d’assurance / assistance sont autorisation écrite de la ou des personnes investies de l’autorité
téléchargeables sur www.ffs.fr ou www.ffs.verspieren.com parentale ou du représentant légal de l’intéressé remise lors
de la prise ou du renouvellement de la licence. L’absence
d’autorisation est constitutive d’un refus de se soumettre
aux mesures de contrôle. Formulaire téléchargeable sur
www.ffs.fr/autorisation-prelevement-mineur
WWW.FFS.FR
Suivez aussi l’actualité des Clubs sur
www.ffs.fr/avantages
PROFITEZ DE NOMBREUX
AVANTAGES ET REDUCTIONS
Ma Licence Carte Neige
Conformément à la loi « Informatique et Libertés » du 6 janvier 1978 modifiée en 2004, vous bénéficiez d’un droit d’accès et de rectification aux informations qui vous concernent,
que vous pouvez exercer en vous adressant à la Fédération Française de Ski 50, rue des Marquisats - BP 2451 - 74011 Annecy cedex - contact@ffs.fr
Vous pouvez également, pour des motifs légitimes, vous opposer au traitement des données vous concernant.The holder of the Carte Neige License can get in touch with the
broker responsible for policy management FFS:
Verspieren – LICENCE CARTE NEIGE
1, avenue François-Mitterrand
BP 30 200 - 59446 Wasquehal Cedex
E-mail : ffs@verspieren.com
Website : www.ffs.verspieren.com
Tél. : 03 20 65 40 00
To request assistance, it is imperative to make first contact
before doing anything about your return or paying out any
expenses falling within the scope of the assistance/repatriation
coverage:
EUROP ASSISTANCE
Ready to help 24/7
By phone at 01 41 85 88 03 for calls from mainland France,
or (+33) 1 41 85 88 03 for calls from Abroad
By email: medical@europ-assistance.fr
Remember to have your carte neige
number handy.
EUROP ASSISTANCE
Europ Assistance, a company governed
by the Insurance Code,
a limited company with a capital of
35,402,785 euros, registered with the
Nanterre Trade and Companies Register
under No. 451 366 405, whose registered
office is at 1, promenade de la bonnette,
92230 Gennevilliers.
QBE INSURANCE (EUROPE) LIMITED VERSPIEREN
Etoile Saint-Honoré - 21, rue Balzac A Limited Company with a Management
75406 Paris Cedex 08. Board and Supervisory Board with a capital
Company governed by the Insurance Code of € 1,000,000 - Lille Trade and Companies
for policies signed or executed in France – Register No. 321 502 049, Registered
Paris Trade and Companies Register Office: 1, avenue François-Mitterrand, 59290
No. B 414 108 001. Registered office: QBE Wasquehal - registered with the Insurance
Insurance (Europe) Limited – Plantation Intermediaries (ORIAS No.: 07 001 542)
Place, 30 Fenchurch Street, London EC3M www.orias.fr.
3BD – UK. English company - Capital of The EUROP ASSISTANCE, QBE and
GBP 500 million. QBE Insurance (Europe) Verspieren companies are controlled by the
* Vous vivez, nous veillons
Limited is a member of QBE European ACPR, Prudential Control and Resolution
Operations, Authority, 61, rue Taitbout. 75436 Paris
a division of the QBE Insurance Group. Cedex 9.
QBE is a company approved by the Pru-
dential Regulation Authority and regulated FRENCH SKI FEDERATION
by the UK Financial Conduct Authority and 50, rue des Marquisats
Prudential Regulation Authority. BP 2451
Registered in England under the No. 74011 Annecy Cedex
1761561.You can also read
